Getting a mortgage is not easy for most people but some can find it more difficult than others. Not everyone has a perfect credit score or an easily provable income. Quite often people struggle for no other reason that they don't have any credit history. There are lenders who will consider applications from people in these situations. As experienced Consultants we will ask you all the relevant questions, gather all your details and try our best to match your criteria to the criteria of the lenders.
If you have had credit problems in the past lenders will often see you as an increased risk and either offer a higher interest rate or terms and conditions that are not as favourable as other high street lenders.
People who are self employed, limited company directors and contractors, can receive high levels of commission or work on temporary contracts can have problems proving income, as such lenders see this as an increased risk. We know which lenders will accept an accountant's reference, bank statements, or P60 as proof of income, and which figures to use from your accounts.
Increasing your credit score can be as simple as giving accurate, constant and provable information to any potential lenders. All our Consultants are trained to help you maximise your credit score.
So why not contact us
to discuss the options available, unfortunately a mortgage may not be available in all cases.
Find out more about our Mortgage products below